Born and raised on the Central Coast, I have over 22 years sales and management experience, over 10 yrs in mortgage financing. Prior to joining the finance industry I worked in the field of telecommunications, serving as Executive Director of Sales for a telephone/data company based in Simi Valley, CA.
“Because I love working with numbers and helping people…this is the perfect business for me!”
Loans will be arranged or made pursuant to a California Lenders License LIC:CA-DBO603G564 NMLS:42056
For your purchase or refinance we’ll cover some basic qualifying questions to determine your goals, or we can even do this by phone in about 15 minutes. With your permission, I’ll review your credit profile and share details, including your credit scores.
Based on your individual scenario, we’ll discuss any documentation needed to complete your application. We’ll want to schedule an appropriate amount of time to discuss product and pricing options. There will be some paperwork to get through, but our Electronic-Signature (E-sign) process makes things easy.
If you are in the market to purchase a home, I’m happy to work with any real estate agent you choose, or even assist you in finding a qualified professional.
Once I have the information needed, qualified applicants can expect to receive a pre-approval letter within 24-48 hours. Same day pre-qualifications may also be possible.
Steps to completing a mortgage loan include… APPLICATION, DISCLOSING, PROCESSING, UNDERWRITING, LOAN-SIGNING, FUNDING, & CLOSING… all of which takes approximately 25-45 days.
“Charles, thank you so much for helping us buy our first home! You went above and beyond what was expected and we greatly appreciate it. We couldn’t have done it without you!”
“Thanks for making my first home buying experience so ridiculously easy – I’m really surprised at just how quickly we got the whole process completed!”
“Thank you so much for helping us move into our dream home! We really appreciate all your hard work and dedication.”
“Charles accommodated my work schedule with late appointments.”
“Charles – I think you guys are fantastic, but you may not be fully aware as to why I am so appreciative. I have Attention Deficit Disorder, and have had trouble processing information. Having your staff act as my coach during this loan process has been just what I needed. People with learning disabilities need to restrict their business dealings to a certain class of professionals–you and yours have that ‘class’.”